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						<span class="asks">利息和利率的区别</span>
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						<span class="aswers">利息和利率二者的联系是：利率是计算利息的标准，本金与利率和时间的乘积即为利息。而利率又可以称为利息率，用来表示一定时间内利息量和本金的比率。</span>
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						<span class="asks">影响二手房贷款额度的有哪几大因素？</span>
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							一、个人征信   <br />
							二、借款人的年龄    <br />
							三、借款人的还款能力    <br />
							四、借款人的职业  <br />
							 五、个人是否存在犯罪记录   <br />
							 六、所购房屋的房龄 <br />
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						<span class="asks">等额本息与等额本金的不同之点</span>
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							等额本息：是指一种贷款的还款方式。等额本息是在还款期内，每月偿还同等数额的贷款(包括本金和利息)。它和等额本金是不一样的概念，虽然刚开始还款时每月还款额可能会低于等额本金还款方式的额度，但是最终所还利息会高于等额本金还款方式，该方式经常被银行使用。
							等额本金：是指一种贷款的还款方式，是在还款期内把贷款数总额等分，每月偿还同等数额的本金和剩余贷款在该月所产生的利息，这样由于每月的还款本金额固定，而利息越来越少，借款人起初还款压力较大，但是随时间的推移每月还款数也越来越少。
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						<span class="asks">按揭贷款和房屋抵押贷款的区别?</span>
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						<span class="aswers">房屋抵押贷款和房屋按揭贷款是常见的两种贷款方式，抵押贷款是买房者(抵押人)向银行(抵押权人)借钱的方式；按揭贷款是指购房者以所购得的楼宇作为抵押品而从银行获得贷款的方式。</span>
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							好处一：让钱更值钱；<br />
							好处二：预期收益率更高；<br />
							好处三：汽车贷款是获取资金成本最低、手续最方便的方式。<br />
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							一、一次失信，记录终生<br />
							二、征信污点可以花钱消除<br />
							三、信用报告100%正确<br />
							四、征信报告显示“黑名单”<br />
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